Most people don't want to spend hours trying to get a grip on what pensions are and how they work in any kind of detail, but most people will want to feel happy that they have done what they need to help secure their financial future.

Here is a list of things to consider, to help you get to this state of mind:

• What are your pension arrangements worth now? You can use our pension calculator to help with this. If you don't have a pension then the value of the state pension will be your guide.
• How much can you afford to pay in regularly? Our budget planner can help with this.
• Does your partner have their own pension? If not then it may be more important that you make arrangements for the two of you.
• When do you hope to retire? The age you take your benefits will greatly affect how much money you should be saving.